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一、選擇題

1、資料：Ahigh-precisionNASAradarinstrumentleftaNASAairportinSouthernCaliforniafor

IcelandonJanuary28tocreatedetailedmapsofhowglaciersmoveinthedeadofwinter.This

willhelpscientistsaroundtheworldbetterunderstandsomeofthemostbasicprocesses

involvedinmeltingglaciers,whicharemajorcontributorstorisingsealevels.

NASAusedthesameairborneinstrumentinJune2012tomapthesummerflowsoftwoIcelandic

icecaps.Theicecaps-largeareasofpermanentsnowandicecover-encompassmultiple

glaciersflowingindifferentdirectionsandatdifferentspeeds.Bymappingthesameicecapsnow,

inwinter,whenthesurfaceremainsfrozenallday,andthencomparingthewinterandsummer

velocities,theresearcherswillbeabletoisolatetheeffectsofmeltwater.

AboveisaviewofasmallpartoftheHofsjkullicecap,whichencompassesseveralglaciers.The

fanatupperleftispartofaglaciercalledMlaj?kull.

Formoreontheresearch,seethisNASApressrelease.

Whatdoestheunderlinedwordpermanent(paragragh2)mean?

A.Freezeeasily

兇密B.Movequickly

封

線C.Long-lasting

D.Extremelycold

2、組織結(jié)構(gòu)三要素不包括（)o

A.虛擬化

B.規(guī)范化

C.集權化

D.復雜化

3、Passage2

ThedataabankhasstoredonitsserversIsmorevaluablethanthegoldinItsvaults.Banksenjoy

恬

amonopolyoverdatathathashelpedthemgetawaywithpoorservicesandfendoff

competitors.lnEurope,atleast,thatisallabouttochangewithanewsetofregulations,named

PSD2.

Theruleswillcompelbankstosharedataeasilywithlicensedthirdparties.BankersinEurope

complainthattheirprofitsandcustomerrelationshipsareunderthreat.However,openingup

banks,andthedatatheystore,isgoodforconsumersandcompetition.Newproviderswillbe

betterplacedtoofferallsortsofinnovativeservices,suchasaone-clickoptiontoputunspent

monthlyincomeintoapensionplan.

Nevertheless.someconcernsaboutPSD2arelegitimate.Inparticular,itisreasonabletowonder

abouttheprivacyandsecurityimplicationsofsensitivefinancialdatabeingsharedwiththird

parties.Butbanksthemselvesarehardlyinvulnerabletocyberattack（網(wǎng)絡攻擊）.Andthe

solutionsthattheEuropeanregulatorsproposetodealwiththeseworrieslookpromising.Third

partiesthatwanttousebankdatawillneedtoconvincenationalregulatorsthattheirdata

defensesaresolidandaresubjecttoannualregulatoryinspections.

Thegapbetweenwritingrulesandimplementingthemisalwayslarge.First,consentfrom

customerstoprovideaccesstotheirbankdatamustbegainedexplicitly,andthepurposesofthe

datauseshouldbeclearlyexplained.Second,regulatorsmustbeverytoughbothinensuringthat

banksopenuptheirinfrastructureandinwithdrawingthelicensesofthirdpartiesthatbreakthe

rules.Thirdjegulatorsmustalsobeflexibleenoughtoallowforchangesasthemarket

evolves.Sincethenewentrantswillnotbelicensedtoengageinriskierfinancialactivities—such

aslendingmoney—itmakessensetoregulatethemwithalightertouch.ButifsomeFintech

providersdoendupbecomingsystemicallyimportant,higherstandardsofoversightmightbe

necessary

Accordingtothefirsttwoparagraphs,whatwillbanksinEuropebeforcedtodo（）

A.Tokeepclient'sdatasafe

B.Toclosedownthepoorservices

C.Togiveuptheirdatamonopoly

D.Todisclosetheirsourcesofprofits

4、國辦印發(fā)意見，要求2021年底前，各地相關政務服務便民熱線歸并統(tǒng)一為“（）政

務服務便民熱線〃。

A.12304

B.12345

C.12045

D.12205

5、第一個踏上月球的人是（）。

A.大衛(wèi)?布朗

B.加加林

C.阿姆斯特朗

D.邁克爾?安德森

6、資料：（一）

Insuranceisthesharingofrisks,Nearlyeveryoneisexposedtoriskofsomesort.Thehouse

owner,forexample,knowsthathispropertycanbedamagedbyfire,theshipownerknowsthat

hisvesselmaybelostatsea；thebreadwinnerknowsthathemaydieatanearlyageandleave

hisfamilythepoorer.Ontheotherhand,noteveryhouseisdamagedbyfirenoreveryvessellost

atsea.Ifthesepersonseachputasmallsumofmoneyintoapool,therewillbeenoughtomeet

theneedsofthefewwhodosufferloss,Inotherwords,thelossesofthefewaremetfromthe

contributionsofthemoney.Thisisthebasisofinsurance,Thosewhopaythecontributionare

knownas“insured"andthosewhoadministerthepoolofcontributionsas“insurers".

Notallriskscanbecoveredbyinsurance.Broadlyspeaking,theordinaryrisksofbusinessand

speculationcannotbecovered.Theriskthatbuyerswillnotbuygoodsatthepricesofferedisnot

ofakindthatcanbestatisticallyestimated,andriskscanonlybeinsuredagainstiftheycanbeso

estimated.

Thelegalbasisofallinsuranceisthe“policy”.Thisisaprintedformofcontract.Itstatesthatin

returnfortheregularpaymentbytheinsuredofacertainsumofmoney,calledthe“premium",

whichisusuallypaideveryyear,theinsurerwillpayasumofmoneyorcompensationforloss,if

theriskactuallyhappens.Thewordingofpolicies,particularlyinmarineinsurance,oftenseems

veryold-fashioned,butthereisasoundreasonofthis.Overalargenumberofyears,manylaw

caseshavebeenbroughttcclearupthemeaningsofdoubtfulphrasesinpolicies.Thelawcourts

havegiventhesephrasesadefiniteandindisputablemeaning,andtoavoidfuturedisputesthe

phraseshavecontinuedtobeusedinpolicesevenwhentheyhavepassedoutofnormalusein

speech.

Old-fashionedwordingissemetimesusedininsurancepoliciesbecause.

A.lawcourtshavedecidednottousefashionablewords

B.itiswidelyacceptedbyalltheinsured

C.itenablesordinarypeopletounderstanditeasily

D.themeaningofsuchwordinghasbeenagreedupon

7、Ifoundthewindows___.

A.open

B.tobeopened

C.opens

0.opening

8、新中國第一家全國性的股份制商業(yè)銀行成立于（）年。

A.1980

B.1979

C.1987

D.1985

9、陳皮是藥食同源的寶貴原料之一，其最顯著的藥效是化痰止咳、疏通心腦血管、降血壓

等。陳皮是以（）的表皮為原料的。

A.柚子

B.橙子

C.橘子

D.桃子

10、不能向居民發(fā)放貸款的金融機構(gòu)是（）。

A.中國農(nóng)業(yè)發(fā)展銀行

B.中國建設銀行

C.農(nóng)村信用合作社

D.城市商業(yè)銀行

11、Passage4

Insuranceisthesharingofrisks.Nearlyeveryoneisexposedtoriskofsomesort.The

house-owner,forexampie,knowsthathispropertycanbedamagedbyfire;theship-ownerknows

thathisvesselmaybelostatsea;thebreadwinnerknowsthathemaydieatanearlyageand

leavehisfamilythepoorer.Ontheotherhand,noteveryhouseisdamagedbyfirenorevery

vessellostatsea.Ifthesepersonseachputasmallsumintoapool,therewillbeenoughtomeet

theneedsofthefewwhodosufferloss.Inotherwords,thelossesofthefewaremetfromthe

contributionsofthemany.Thisisthebasisofinsurance.Thosewhopaythecontributionare

knownas"insured"andthosewhoadministerthepoolofcontributionsas"insurers".

Notallriskslendthemselvestobeingcoveredbyinsurance.Broadlyspeaking,theordinaryrisksof

businessandspeculationcannotbecovered.Theriskthatbuyerswillnotbuygoodsattheprices

offeredisnotofakindthatcanbestatisticallyestimated-endriskscanonlybeinsuredagainstif

theycanbesoestimated.

Thelegalbasisofallinsuranceisthe"policy".Thisistheprintedformofcontractonpaperofthe

bestquality.ltstatesthatinreturnfortheregularpaymentbytheinsuredofanamedsumof

money,calledthe"premium，whichisusuallypaideveryyear,theinsurerwillpayasumofrroney

orcompensationforlossjftheriskoreventinsuredagainstactuallyhappens.Thewordingof

policies,particularlyinmarineinsurance,oftenseemsveryold-fashioned,butthereisasound

reasonforthis.Overalargenumberofyearsmanylawcaseshavebeenbroughttoclearupthe

meaningofdoubtfulphrasesinpolicies.Thelawcourts,intheirjudgments,havegiventhese

phrasesadefiniteandindisputablemeaning,andtoavoidfuturedisputesthephraseshave

continuedtobeusedinpoliciesevenwhentheyhavepassedoutofnormaluseinspeech.

Itseemsthattheauthorthinkstheinsuranceis（）.

A.aformofgambling

B.awayofmakingmoneyquickly

C.usefulandnecessary

D.old-fashioned

12、下列不屬于我國《刑法》基本原則的是（）。

A.罪刑法定原則

B.法律面前人人平等原貝！

C.罪刑相當原則

D.罪刑合理原則

13、導致需求曲線發(fā)生位移的原因是（）。

A.因價格變動，引起了需求量的交動

B.因供給曲線發(fā)生位移，引起了需求量的變動

C.影響需求量的非價格因素發(fā)生交動，而引起需求關系發(fā)生了變動

D.因社會經(jīng)濟因素發(fā)生變動引起產(chǎn)品價格的變動

14、吊銷違法者的經(jīng)營許可證是（）。

A.行政命令

B.行政處罰

C.行政處分

D.行政強制執(zhí)行

15、資料:Memo

Datedanuary17

From:NelaPotter

To:Marketingstaff

Pleasereviewtheattachedbestsellerlistfromtoday'sSilvertonDaily.ThoughMarkShipley's

bookisloveonthelist,rememberthatwereleaseditonlyonJanuary2.Thereisstillan

opportunityforsalestoincrease.Howcanweguaranteethatthishappens?

Thislistclearlyillustratesthathealthandwellnesstitlesaregoodsellers.Ourcompetitors,such

asWaylandandBrownback,havebeenthriving.1attributetheirsuccesstoaggressivemarketing

tactics.ConsiderhowWaylandhasbeenextensivelypromotingJennaWyatt'sbook!

So,forournextscheduledmeeting,Iwouldlikeeachofyoutopresentyourownoriginalideals

forgeneratingmorepublicityforourcurrentandfurtureprojects.

｛圖

Whatbooksoldthemostcopiesthepreviousweek?

A.YourBestFitnessPlan

B.GreenEats

C.TheOlympian'sCookbook

D.ThePharaoh'sLives

16、資卷|There'sagoocchancethatspicycrunchytunarollyouorderedforlunchdoesn't

actuallycontainanytunaatall.

That'sbecause74%offishsoldatsushivenuesintheUSismislabeledandoftencompletely

differentthanwhat'sonthemenu,accordingtoa2013surveyfromtheoceanconservation

groupOceana.

Butnewtechnologycouldhelpmaketheseafoodbusinessabitmoretransparent.Googleis

teamingupwithOceanaandtheaerialandsatelliteimagingnonprofitSkyTruthtolaunchGlobal

FishingWatchthisfall,theNewYorkTimesreports.Theinitiativewilltrackandanalyzefishing

boatpracticesusingsatellitetechnologyand,ideally,helpensurethatfewerfakeormislabeled

fishareswappedinalongtheway.

Seafoodprovidersarealsoinvestingintechnologytoreducefraud.Bostonseafooddistributor

Red'sBest,forexample,hasincreasedtransparencybysellingfishwithlabelsthatbuyerscan

scanwiththeirsmartphonestoaccessawebpagethatprovidesdetailsabouttheindividualfish,

includingwherethefishcamefrom,theNewYorkTimesreports.

Evenifarestaurantservessomereal,correctlylabeledfish,95%ofthe118sushirestaurants

surveyedbyOceanaincitiesincludingNewYork,Chicago,andLosAngeleshadatleastonefaked

sushiitemonthemenu.

Currently,thebiggestculpritsforfakesushiaresnapper(92%misleadinglylabeled)andtuna

(71%).Whitetunaisoftenswappedforescolar,whichissometimescalledthe"Ex-LaxFish,"

accordingtoInsideEdition,becauseitcancauseintestinalproblems.

Roughly75%offishlabeledsnapperisn'tevenfromthesnapperfamily.Becauseofthe

predominanceoffraudinthesupplychain,NewYorksushirestaurantSushiNakazawarefusesto

serveredsnapperbecausetheriskoffakefishistoohigh.

WhydoestheauthormentionBostonseafooddistributorRed'sBest?()

A.Toemphasizetheimportanceofseafoodproviders'responsibilities

B.Toshowthattheproblemoffakeormislabeledfishhasalreadybeensolved

C.Tointroduceanewtechnologyofscanning

D.Toillustratethatseafoodprovidersalsotakeactionstoreducefraud

17>Largenumbersofstate-runpreschoolswereexpedientlycloseddownduringthe1990s

economicreformandinstead,avarietyoffor-profitprivatepreschoolssprungacrossthe

country.

A.by

B.out

C.in

D.up

18、資料：Upto80percentoftheworld'smiddleclasseswillliveindevelopingcountriesby2030

thankstosurprisingrecentgainsinpovertyreduction,accordingtoaUnitedNationsreport

publishedonThursday.

“Neverinhistoryhavethelivingconditionsandprospectsofsomanypeoplechangedso

dramaticallyandsofast/'concludestheUN'slatestDevelopmentReport."Theworldis

witnessinganepochal'globalrebalancing//

Underpinningtheimprovementsinthehumandevelopmentindex(HDI)wasrapidgrowthin

countriessuchasChina,IndiaandBrazil,withChinaandIndiahavingdoubledpercapita

economicoutputinlessthan20years.Butthestudystressedthatgrowthandimprovementsin

HDIspreadfarbeyondthefourBriecountriesofBrazil,Russia,IndiaandChina,andincludedat

least40countriesthathadaccompaniedgreatereconomicdynamismwitheffective

poverty-reductionpolicies.

Afghanistan,SierraLeone,Ethiopia,RwandaandAngolawereamong14countriesthathave

recordedgainsinHDIofrrorethan2percentayearsince2000.Partlyasaresult,thereport

foundthatworldwideextremeincomepovertyhasplungedfrom43percentin1990tojust22

percentin2008,includingmorethan500mbeingliftedoutofpovertyinChinaalone.Thereport

statedthatsuchgainshadalreadyhelpedtheworldachievethemainpovertyeradicationgoalof

theso-calledMillenniumDevelopmentGoals,whichcalledfortheshareofpeoplelivingonless

than$1.25adaytobecutbyhalffrom1990to2015.

Underpinningthispovertyreductionwasdevelopingcountries*increasingshareofglobaltrade,

whichgrewfrom25percentto47percentbetween1980and2010.“Thesouthasawholeis

drivingglobaleconomicgrowthandsocietalchangeforthefirsttimeincenturies/saysthe

report.

Thereportfoundthattradeamongdevelopingcountrieswasthebiggestfactorinthatexpansion,

increasingfromlessthan10percentoftotalglobaltradetomorethan30percent."Trade

betweencountriesinthesouthwillovertakethatbetweendevelopednations/thereportsaid.

Thepassagemainly.

A.discusswhydevelopingcountriesareplayingmajorrole

B.illustrateatheoryforpovertyreduction

C.explainreasonsbehindareport

0.interprettheroleoftradefordevelopingcountries

19、資料：之后，經(jīng)濟學家Mr.U與你討論了一些潛在的問題，請根據(jù)下列資料回答問題。

KGVisstraditionalhigh-streetmusicretailer.BasedinAmsterdam,ithas12storesinthe

Netherlands,threeofwhicharemegastores.Someyearsago,itexpandedintotherestofEurope

andnowowns65stores-eightofthesearemegastores.Thecompanyisatpresentgoingthrough

adifficultperiod.Overthelastthreeyears,profitshavesteadilyfallenjrom450mEurosto290m

Euros.Themegastores'saleshaverisenbyaccountingforofthecompany'sturnover,butthe

increasedrevenuehasbeenachievedonlybyheavyexpenditureonadvertisingandpromotion.

Fiercecompetition,anarrowproductrangeandalackofinnovationaresomeofthereasonsfor

KGV'spoorperformance.Themanagementareconcerned,especially,thattheyarenotexploiting

theopportunitiesofferedbysellingthroughtheInternet.

WhatkindcompanyisKGV?()

A.Itismusicstudio

B.ltisanadvertisingagency

C.ltisahigh-streetmusicretailer

D.ltisaconsultingfirm

20、四大洋面枳從大到小的排列順序是()o

A.太平洋-北冰洋.大西洋.印度洋

B.大西洋-太平洋-北冰洋一印度洋

C.大西洋?太平洋?印度洋?北冰洋

D.太平洋-大西洋-印度洋-北冰洋

21、Mr.Backussimplyreplacedtheoriginalequationwithhisownforadreamdate,

whichincludedthepercentageofwomenlikelytofindhimattractive,andthenumberofgirls

aged24to34inLondon.

A.designation

B.measures

C.criteria

0.legislation

22、Fossilfuelsareandwillbestillforatleastthenexttwo-threedecadesatrelatively

lowcosts.

A.productive

B.convenient

C.renewable

0.available

23、甲乙二人協(xié)商共同投資，甲從乙處取了9000元，并以兩人名義進行了15000元的投資，

但由于決策失誤，只收回16000元。甲由于過失在己，愿意主動承擔2/3的損失。問收|口1的

投資中，乙將分得多少錢？（）

A.2000元

B.3000元

C.4000元

D.6000元

24、錯賬的更正方法不包括（）。

A.藍字更正法

B.紅字更正法

C.補充登記法

D.劃線更正法

25、票據(jù)貼現(xiàn)實付金額為（）。

A.匯票金額

B.貼現(xiàn)利息

C.匯票金額一貼現(xiàn)利息

26、所有者（股東）權益變動表是資產(chǎn)負債表的（）。

A.表

B.附注

C.財務情況說明書

D.附表

27、甲乙兩人相約同時從AB兩地相向而行，10個小時后相遇。但實際上甲先從A地出發(fā)，

2個小時后乙才出發(fā)，乙出發(fā)60分鐘后，雙方之間的距離是兩人走過的距離的三倍。已知

甲比乙每小時多走10公里，則AB兩地之間的距離是多少公里？（）

A.200

B.100

C.250

D.150

28、In2012,thelastfloodhitthesouthwesternpartoftheNetherlandsandcausedmore

than1800casualties.

A.adverse

B.radical

C.severe

0.disastrous

29、資$4：Inthebusinessenvironmentnearlyallindividualswithinanorganizationwillbelongto

oneormoregroupsorteams.

Ateamisasetofpeoplewitharangeofdifferentskillsthatwillideallyhaveobjectivesthat

contributetotheoverallcorporatestrategyofthebusiness.Theywillusuallyhavesomebody

whoisidentifiedastheteamleader.Theimportanceofteamsthatperformwellcannotbe

underestimated.Itisgenerallyacceptedbyhighachievingorganizationsthattobeeffectiveyou

needto.

1.createamotivatedteam

2.giveteammembersabriefalongsideobjectives

3.appointaleaderoftheteam

4.managetheteam

5.providethemwithauthority

6.monitortheprogressoftheteam

7.ensureeffectivecommunicationsstreams(lackofcommunicationcanbetheoneofthebiggest

issuesandfailureswithinorganization.)

Thephrase'twoheadsarebetterthanone'helpstodescribethepurposeofteams.Teams

provideanopportunitytoshareideasandstrengthsanduseavarietyofviewpointsand

experiences.Ateamprovidesindividualswithacommonpurpose.Theyalsohaveacommon

identityastheystrivetogethertowardsacommongoal.

Whatisthefeatureofateam?

A.everyoneintheteamisequalinposition

B.everyoneworksinthesameoffice

C.everypersonintheteamhasdifferentskills

0.everyoneworksforthecommongoal

30、ClarksonLibrarywillbeclosedforrenovationsfromMay3toJuly15,whichtimethe

collectionwillnotbeopentothepublic.

A.with

B.between

C.during

D.while

31、2019年，我國規(guī)模以上工業(yè)增加值增長5.7%。在規(guī)模以上工業(yè)中，分經(jīng)濟類型看，國

有控股企業(yè)增加值增長4.8%;股份制企業(yè)增長6.8%,外商及港澳臺商投資企業(yè)增長2.0%；私

營企業(yè)增長7.7%。分門類看，采礦業(yè)增長5.0%,制造業(yè)增長6.0%,電力、熱力、燃氣及水

生產(chǎn)和供應業(yè)增長7.0%。

全年規(guī)模以上工業(yè)中，農(nóng)副食品加工業(yè)增加值比上年增長1.9%,紡織業(yè)增長13%,化學原

料和化學制品制造業(yè)增長4.7%,非金屬礦物制品業(yè)增長8.9%,黑色金屬冶煉和壓延加工業(yè)

增長9.9%,通用設備制造業(yè)增長4.3%,專用設備制造業(yè)增長6.9%,汽車制造業(yè)增長1.8%,

電氣機械和器材制造業(yè)增長10.7%,計算機通信和其他電子設備制造業(yè)增長9.3%,電力、熱

力生產(chǎn)和供應業(yè)增長6.5%。

2019年主業(yè)工業(yè)產(chǎn)品產(chǎn)量及其增長速度

產(chǎn)品名爵?位產(chǎn)受比上年才長（%）

萬寸2892.1T.1

C*575.6-17.6

萬t5952.89.9

1%彳萬啜1389.415.9

嗪423642.51.1

當金■現(xiàn)貝萬包18999.1-3.5

其?：城人■里￡萬*18689.7-1.5

萬臺7904.36.3

9TZ/誦■鼻2186624.3

一次?《充3975.1

憶?38.54.0

戛博萬噂19101.40.9

天抬,名土方關1761.710.0

2房X小門75034.34.7

X審，大,卬】“?工—?八r4氣N52201.S2.4

京一憶*夏△管13044.45.9

<<《手更小”3483.518.3

萬19963427.2

萬啜120477.4S3

--干包金U萬噸5866.022

萬噸978.45.5

m)乃t3504.4-2.2

京龍23.54.9

<*(干100%)萬可8935.7-1.3

今減（千100%）?W3464.4-0.3

萬］2052.310.2

RE(F100%)萬啜5731.26.1

息電町遇萬華夏9274.1-14.9

汽客萬制2552.8-8.3

天一：春女31f（r>>工工1016.2-16.4

之/3多工工食W（sv\）876.0-3.6

人?2黑。*'.萬臺27.85.9

憶立2018.28.9

萬或7M.5-23.7

號今:手”二萬叁170100.6-3.5

年幺丁”「玄+萬自34163.28.2

二工______________________下自<>>17.7_______?31

年末全國發(fā)電裝機容量201066萬千瓦，比上年末增長5.8%。其中，火電裝機容量119055

萬千瓦，增長4.1%；水電裝機容量35640萬千瓦，增長1.1%:核電裝機容量4874萬千瓦，

增長9.1%；并網(wǎng)風電裝機容量21005萬千瓦，增長14.0%；并網(wǎng)太陽能發(fā)電裝機容量20468

萬千瓦，增長17.4%。

全年全社會建筑業(yè)增加值70904億元，比上年增長5.6%。全國具有資質(zhì)等級的總承包和專

業(yè)承包建筑業(yè)企業(yè)利潤8381億元，比上年增長5.1%,其中國有控股企業(yè)2585億元，增長

14.5%。

圖22015-2019年建筑業(yè)增加值及其增長速度

2015至2019的五年期間，我國全部工業(yè)增加值增加了約（）億元。

A.82140

B.41990

C.71703

D.16020

32、下列投資決策方法中，適用于原始投資不同、特別是項目計算期也不同的方法是（）。

A.凈現(xiàn)值法

B.凈現(xiàn)值率法

C.差額內(nèi)部收益率法

D.年等額凈回收額法

33、市場營銷觀念有四個支柱：顧客導向、協(xié)調(diào)的市場營銷、盈利性和（）。

A.產(chǎn)品中心

B.顧客中心

C.工廠中心

D.市場中心

34、資料：（二）

Theveryloansthataresupposedtohelpseniorsstayintheirhomesareinmanycasespushing

themout.Reversemortgages,whichallowhomeowners62oroldertoborrowmoneyagainstthe

valueoftheirhomesandnotpayitbackuntiltheymoveoutordie,havelongbeensaidwith

problems.Now,federalandstateregulatorsaredocumentingnewinstancesofabuseassmaller

mortgagebrokers,includingformersub-primelenders,floodthemarketaftertherecentexitof

bigbanksandasdefaultsontheloanshitrecordhighs.

Somelendersareaggressivelyrecommendingloanstoseniorswhocannotaffordthefees

associatedwiththem,withoutmentioningthepropertytaxesandmaintenance.Othersare

wooingseniorswithpromisesthattheloansarefreemoreythatcanbeusedtofinancetheir

long-desiredthings,withoutclearlyexplainingtherisks.Somewidowswerepressurednotto

havetheirnamesonthecontract,withoutbeingtoldthattheycouldbeleftfacing

foreclosureaftertheirhusbandsdied.

Now,asthevastbabyboomergenerationisenteringretirementandmoreseniorsstrugglewith

decliningsavings,thenewlyestablishedConsumerFinancialProtectionBureauisworkingornew

rulesthatcouldmeanbetterdisclosureforconsumersandstrictersupervisionoflenders.Vlore

than775,000ofsuchloansareoutstanding,accordingtothefederalgovernment.

Concernsaboutthemulti-billiondollarreversemortgagesmarketechothoseraisedinthe

lead-uptothefinancialcrisiswhenconsumersweremarketedloans—oftencarryinghidden

risks—thattheycouldnotafford./zTherearemanyofthesameredflags,includingexplosive

growthandthefactthattheseloansareoftenadvertisedaggressivelywithoutregardedto

suitability/sadLoriSwanson,theMinnesotaattorneygeneral,whoisworkingonreformingthe

reversemortgagemarket.

Whatcanwelearnaboutmortgageloansfromthefirstparagraph?

A.Theloansareexpectedtohelpseniorsstayintheirhomes

B.Theloansaredrivingallseniorsoutoftheirhomes

C.Thereversemortgageonlywelcomesseniors

D.Anyseniorcanapplyforreversemortgages

35、資料：Becauseofthebiochemicalreactionsinyourbodythatoccurwitheverytypeoffood

youeatonadailybases,somefoodsageyoufasterthanyourrealage,whileotherfoodshelpto

fightaging.

Threeoftheprocessesthatgooninsideyourbodythathaveamajorimpactonyourrateof

agingarecalled“glycation","inflammation"and"oxidation".

Whenwetalkaboutaging,we'renotjusttalkingaboutwrinklesonyourskinorhowthickyour

hairis,we'realsotalkingaboutfactorsthatyoucan'tsee,suchashowwellyourorgansfunction,

andwhetheryourjointsaredegrading.

Thepassageisprobably

A.theprefaceofabook

B.anexcerptfromapaperonhealth

C.abookreview

D.promotionalmater